Darrick Cook
$569,0003 bd2 ba1,652 sqft$344 /sqft$3,771 /mo all-in ↓

16520 SPRING VALLEY ROAD, DADE CITY, FL, 33523

Active3 days on marketListed Jul 31, 2026MLS #TB8534499

Single Family ResidenceAL-MAR ACRES

About this home

16520 SPRING VALLEY ROAD

Virtually Staged. Welcome to your own slice of country paradise in beautiful Dade City! Nestled on 2.5 fully usable acres, this beautifully maintained 3-bedroom, 2-bath home with a versatile bonus room and 2-car garage offers the perfect blend of peaceful rural living and modern convenience. From the moment you arrive, you'll appreciate the freedom of NO HOA and NO deed restrictions, giving you plenty of room for horses, livestock, RVs, boats, trailers, and all of your outdoor toys. Whether you've dreamed of starting a small farm, creating a hobby ranch, garden, or simply enjoying wide open space, this property is ready to make it happen. The impressive 48' x 48' pole barn is a standout feature, (especially for the Equestrian.) Thoughtfully equipped with electric, water, concrete floors, a feed and tack room, and stalls with automatic waterers. The soaring 16-foot center height easily accommodates an RV, horse trailer, boat, or additional equipment. An RV electrical hookup is already in place, along with a 240-volt outlet in the garage, making this property as functional as it is beautiful. Inside, you'll find a warm, inviting home with a modern farmhouse vibe that has been lovingly maintained and thoughtfully updated. The spacious floor plan features a bright living area, an updated kitchen with shaker-style cabinetry, modern appliances, generous dining space, and a flexible Florida room that makes an ideal home office, sunroom, or hobby space. The primary suite provides a relaxing retreat after a day spent enjoying the outdoors and for a special added touch beautiful sliding barn doors have been added to the windows for the ultimate farmhouse feel. Recent improvements offer added peace of mind, including a newer roof, HVAC system, water heater, kitchen updates, flooring, fencing, well pump, and septic improvements. Located just minutes from I-75, US-301, and US-98, you'll enjoy the tranquility of country living without sacrificing convenience. Shopping, restaurants, medical facilities, and everyday necessities are all within easy reach, while nearby Withlacoochee River Park offers hundreds of acres of hiking, horseback riding, biking trails, camping, and river access for outdoor enthusiasts. If you've been searching for acreage, a turnkey barn, room for your animals, and the freedom to truly enjoy the Florida country lifestyle, this exceptional Dade City property is one you won't want to miss.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,652

Sqft

2.5 ac

Lot size

2

Garage

1986

Year built

One

Levels

$344

Per sqft

Trees/Woods viewPets allowed

Inside

FlooringCarpet · Laminate · Tile
AppliancesDishwasher · Electric Water Heater · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Open Floorplan · Primary Bedroom Main Floor · Thermostat · Window Treatments
LaundryIn Garage · Laundry Room
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionBlock · Stone · Stucco
FoundationSlab
ViewTrees/Woods
FacesSouth
ExteriorFire Pit · Lighting · Private Mailbox · Rain Gutters · RV Hookup · Storage

Community & fees

Taxes (2025)$3,931/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected
WaterPrivate · Well

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,771 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,070
PMI (est., until 20% equity)$213
Property tax — 2025 actual bill$328
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $56,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $56,900
Interest rate6.00%
Loan term

Estimated payment

$3,771/mo

Principal & interest$3,070
PMI (est., until 20% equity)$213
Property taxes (actual bill)$328
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $569K
$366KedgeAI estimate $670,696 · range $381K$1.2M$1.3M

vs edgeAI estimate

−15.2%

$/sqft vs Dade City actives

$344 vs $193

Days on market

3 vs 41 typical

Where $344/sqft sits among the 329 Dade City actives

152
94
35
16 · this home
11
21
$130–188$188–246$246–304$304–362$362–420$420+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Dade City

Map of 16520 SPRING VALLEY ROAD

Drive times from this address

Downtown Tampa46 min
Tampa Int’l Airport (TPA)57 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Dade City. See the full Dade City guide →

DADE CITY 33523 — neighborhood snapshot

Population

19,296

Median age

40.6

Median income

$60,897

Median home value

$231,700

Avg household

2.79

Households w/ children

2,208

For the school run

Pasco County School District

ElementaryRodney B. Cox Elementary School★★★★
MiddlePasco Middle School★★★★
HighPasco High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Dade City market

Seller’s marketLeans seller4.4 months of inventoryBuyer’s market

$340K$352K

Dade City median sold, yr/yr

97.7%

Sale-to-list ratio (12 mo)

175 of 329

Dade City actives have cut their price

Median sold price, Dade City, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 128% above the DADE CITY 33523 median. See the full Dade City market guide →

Paper trail

This home's history

Jul 31, 2026Listed at $569,000 · 3 days on market since
1986Built · AL-MAR ACRES

Reality check

What actually sold near 16520 SPRING VALLEY ROAD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

17415 SWEETWATER ROADSold · May ’26

$410,000

17415 SWEETWATER ROAD

4 bd · 2.5 ba · 1,766 sqft · $232/sqft · 83 DOM

34911 ANSLEY AVENUESold · Dec ’25

$259,000

34911 ANSLEY AVENUE

4 bd · 2 ba · 1,352 sqft · $192/sqft · 47 DOM

17879 PARRISH GROVE ROADSold · Jun ’26

$623,000

17879 PARRISH GROVE ROAD

3 bd · 2.5 ba · 1,975 sqft · $315/sqft · 0 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Darrick Cook

Your agent

Darrick Cook

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 16520 SPRING VALLEY ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 16520 SPRING VALLEY ROAD — before you fall in love.

See it in person

Schedule a tour

Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

16520 SPRING VALLEY ROAD FAQs

What would the monthly payment be for 16520 SPRING VALLEY ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,771/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 16520 SPRING VALLEY ROAD?+

The most recent tax bill on record (2025) was $3,931. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 16520 SPRING VALLEY ROAD?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Dade City?+

At $569,000, this home is listed about 44% above the Dade City median of $396,490. The market section on this page shows how the area is trending.

Which schools are assigned to 16520 SPRING VALLEY ROAD?+

Rodney B. Cox Elementary School (elementary), Pasco Middle School (middle), Pasco High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$569,000 runs 128% above the DADE CITY 33523 median.

02Trees/Woods views

The trees/woods view is part of what you're buying — views hold value independently of the structure.

03Fresh on the market

Only 3 days on market in a Dade City market that averages 41 — if it fits, move quickly.

Listing courtesy of 444 REALTY GROUP LLC · Danielle Angel. MLS #TB8534499.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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